Lightly spray a 9x13-inch pan with cooking spray. Place half of the bread cubes in the bottom of the pan. Top with half of the bacon and cheeses. Spread all of the cottage cheese over the cheese and bacon. Top with remaining bread cubes. Top bread with remaining bacon and cheese.

In a medium bowl, whisk together the eggs, milk, onion powder, dry mustard and pepper. Pour evenly over top of the casserole.